Assuming an annual return of 12 per cent, you need to invest Rs 25,021 per month to create a corpus of Rs 2.5 crore in 20 years. You are currently investing Rs 22,000 in mutual funds. You need to invest extra Rs 3,000. We can not comment on your ULIP investments.

You have picked up decent mutual fund schemes. You may continue with your schemes. Do not take round figures like Rs 1 crore or Rs 2 crore to achieve your financial goals. It is always better to work with real numbers and arrive at a realistic target to find out how much you need to invest to achieve your goals.